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Aetna Student Health Plan Design and Benefits Summary Syracuse University Policy Year: 2015 ‐ 2016 Policy Number: 474908 www.aetnastudenthealth.com
(866) 746‐6590 This is a brief description of the Student Health Plan. The Plan is available for Syracuse University students and their eligible dependents. The Plan is underwritten by Aetna Life Insurance Company (Aetna). The exact provisions governing this insurance are contained in the Certificate of Coverage issued to you and may be viewed online at www.aetnastudenthealth.com. If any discrepancy exists between this Benefit Summary and the Certificate, the Certificate of Coverage will govern and control the payment of benefits. Syracuse University Health Services (SUHS) Located on campus at 111 Waverly Avenue, Syracuse University Health Services (SUHS) provides student‐centered ambulatory health care services to SU and SUNY ESF students. A staff of physicians, nurse practitioners, nurses and other health care professionals provide services. SUHS is fully accredited by the Accreditation Association for Ambulatory Health Care. Services paid at 100% are as follows:  Office Visits  Laboratory  Nutritional Counseling  Psychiatric Services  Immunizations, Vaccines, and Travel Medicine  Syracuse University Ambulance (SUA)  Medical Transportation (MTS)  Health Education  Public Health Oversight Patients are seen by appointment, for an appointment, call (315) 443‐9005. Hours of operation are as follows: Monday and Tuesday: 8:30 a.m. – 7:00 p.m. Wednesday, Thursday and Friday: 8:30 a.m. – 5:00 p.m. Saturday 10:00 a.m. – 4:00 p.m. Sunday: Closed Hours may vary on holidays and during other periods when University work hours are altered. After hours, a nurse practitioner or physician is available for telephone consultation when appropriate, and Syracuse University Ambulance and Medical Transportation Services are available to provide professional emergency care and medical transportation. For more information on Health Services, visit our website at: http://health.syr.edu For Claims Information and ID Card Information: Aetna Student Health 866‐746‐6590 Coverage Periods Students: Coverage for all insured students enrolled for coverage in the Plan for the following Coverage Periods. Coverage will become effective at 12:01 AM on the Coverage Start Date indicated below, and will terminate at 11:59 PM on the Coverage End Date indicated. Coverage Period Coverage Start Date Coverage End Date Enrollment/Waiver Deadline Annual 08/01/2015 07/31/2016 08/31/2015 Fall 08/01/2015 12/31/2015 08/31/2015 Spring/Summer 01/01/2016 07/31/2016 01/31/2016 Syracuse University 2015‐2016 Page 2 Eligible Dependents: Coverage for dependents eligible under the Plan for the following Coverage Periods. Coverage will become effective at 12:01 AM on the Coverage Start Date indicated below August 1, 2015, and will terminate at 11:59 PM on the Coverage End Date indicated July 31, 2016. Coverage for insured dependents terminates in accordance with the Termination Provisions described in the Master Policy. Coverage Period Coverage Start Date Coverage End Date Enrollment/Waiver Deadline Annual 08/01/2015 07/31/2016 08/31/2015 Fall 08/01/2015 12/31/2015 08/31/2015 Spring/Summer 01/01/2016 07/31/2016 01/31/2016 Student Rates The rates below include premiums for the Plan underwritten by Aetna Life Insurance Company (Aetna). Undergraduate, Graduate, Law and International Students with Insurance Requirement Undergraduate Student Annual $1,890 Fall $810 Spring Semester $1,110 International Student $1,890 $810 $1,110 Graduate Student $1,890 $810 $1,110 Undergraduate, Graduate, Law and International Students Eligible to Voluntarily Enroll Undergraduate Student Annual $2,742 Fall $1,167 Spring Semester $1,605 International Student $2,742 $1,167 $1,605 Graduate Student $2,742 $1,167 $1,605 Dependent Rates The rates below include premiums for the Plan underwritten by Aetna Life Insurance Company (Aetna). Dependents of Undergraduate, Graduate, Law and International Students with Insurance Requirement Spouse Annual $1,890 Fall Spring/Summer Semester $810 One Child $1,890 $810 $1,110 More than One Child $3,750 $1,589 $2,191 Syracuse University 2015‐2016 Spring/Summer Semester $1,110 Page 3 Dependents of Undergraduate, Graduate, Law and International Students Eligible to Voluntarily Enroll Annual Fall Spring/Summer Semester Spring/Summer Semester Voluntary Spouse $2,742 $1,167 $1,605 Voluntary One Child $2,742 $1,167 $1,605 Voluntary More than One Child $5,454 $2,304 $3,180 Student Coverage Eligibility for students subject to the 2015‐2016 Insurance Requirement Syracuse University requires students for the 2015‐2016 academic year to maintain insurance coverage. This insurance requirement applies to the following student groups:  New Full‐Time Matriculated Students (Incoming Graduate, Undergraduate and Law Students)*  New Graduate Fellows  Full‐Time, matriculated International Students * Full‐time status for Undergraduate and Law Students is 12 credit hours Full‐time status for Graduate Students is 9 credit hours or a departmental certification as full‐time. The aforementioned students are required to be enrolled in a health insurance plan comparable to the Syracuse University Student Health Insurance Plan. If you are currently enrolled in a health insurance plan with comparable coverage, you can document your coverage by completing an Online Waiver Form. Please note: the waiver deadline is August 31, 2015. If you do not submit a waiver form by this date, you will remain enrolled in the Syracuse University Student Health Insurance Plan for the entire year and the insurance premium will be applied to your Student Account. Home study, correspondence, Internet classes, and television (TV) courses, do not fulfill the eligibility requirement that the student actively attend classes. If it is discovered that this eligibility requirement has not been met, our only obligation is to refund premium, less any claims paid. Waiver Process for students subject to the 2015‐2016 Insurance Requirement 1. Go to www.gallagherstudent.com/syracuse. 2. On the top right corner of the screen, click ‘Student Login’. 3. Your user name is your full Syracuse University email address (i.e. jstudent@syr.edu) and your temporary password is your 9‐digit Syracuse University student ID number. 4. You will be prompted to reset your password the first time you log in. A secure link will be sent to your school email address to complete the process. Once the password is reset you will not receive a prompt again. 5. At www.gallagherstudent.com/syracuse, on the left toolbar, click ‘Student Waive’. 6. Click the ‘I want to Waive’ button. 7. Follow the instructions to complete the form. 8. Print or write down your reference number. Receipt of this number only confirms submission, not acceptance, of your form. Please Note: If you cannot log in, please email syracusestudent@gallagherstudent.com or call 844‐203‐8798. Syracuse University 2015‐2016 Page 4 Voluntary Enrollment Voluntary Eligibility Returning Domestic Sophomore, Junior and Senior Students (as of Fall 2015), as well as returning Domestic Graduate and Law students who are matriculated and carrying 6 or more credit hours who were previously enrolled at Syracuse University are eligible to enroll in Syracuse University Student Health Insurance Plan on a voluntary basis. If you are interested in enrolling in the Student Health Insurance Plan, you will need to submit an online Enrollment Form and applicable payment by the August 31, 2015 enrollment deadline. Voluntary Enrollment Process for students not subject to the 2015‐2016 Insurance Requirement 1. Go to www.gallagherstudent.com/syracuse. 2. On the top right corner of the screen, click ‘Student Login’. 3. Your user name is your full Syracuse University email address (i.e. jstudent@syr.edu) and your temporary password is your 9‐digit Syracuse University student ID number. 4. You will be prompted to reset your password the first time you log in. A secure link will be sent to your school email address to complete the process. Once the password is reset, you will not receive a prompt again. 5. At www.gallagherstudent.com/syracuse, on the left toolbar, click ‘Voluntary Student Enroll’. 6. Follow the instructions to complete the form and submit payment. 7. Print or save a copy of the confirmation page. Please Note: If you cannot log in, please email syracusestudent@gallagherstudent.com or call 844‐203‐8798. Dependent Coverage Eligibility Covered students may also enroll their lawful spouse, including same‐sex marriage, domestic partner and dependent children up to the age of 26. Enrollment To enroll the dependent(s) of a covered student, please visit www.gallagherstudent.com/syracuse or contact Gallagher Student Health and Special Risk at 844‐203‐8798. Dependent enrollment applications will not be accepted after August 31, 2015, unless there is a significant life change that directly affects their insurance coverage. (An example of a significant life change would be loss of health coverage under another health plan.) The spring enrollment deadline is January 31, 2016. To complete an online Dependent Enrollment Form: 1. Go to www.gallagherstudent.com/syracuse. 2. On the top right corner of the screen, click ‘Student Login’. 3. Your user name is your full Syracuse University email address (i.e. jstudent@syr.edu) and your temporary password is your 9‐digit Syracuse University student ID number. 4. You will be prompted to reset your password the first time you log in. A secure link will be sent to your school email address to complete the process. Once the password is reset, you will not receive a prompt again. 5. At www.gallagherstudent.com/syracuse, on the left toolbar, click ‘Dependent Enroll’. 6. Follow the instructions to complete the form and submit payment. 7. Print or save a copy of the confirmation page. Syracuse University 2015‐2016 Page 5 Special Enrollment Periods You, your Spouse or Child can also enroll for coverage within 60 days of the loss of coverage in a health plan if coverage was terminated because you, your Spouse or Child are no longer eligible for coverage under the other health plan due to: 1. Termination of employment; 2. Termination of the other health plan; 3. Death of the Spouse; 4. Legal separation, divorce or annulment; 5. Reduction of hours of employment; 6. Employer contributions toward a health plan were terminated; or 7. A Child no longer qualifies for coverage as a Child under another health plan. You, your spouse or child can also enroll 60 days from exhaustion of your COBRA or continuation coverage. We must receive notice and premium payment within 60 days of the loss of coverage. The effective date of your coverage will depend on when we receive your application. If your application is received between the first and fifteenth day of the month, your coverage will begin on the first day of the following month. If your application is received between the sixteenth day and the last day of the month, your coverage will begin on the first day of the second month. In addition, you, your spouse or child, can also enroll for coverage within 60 days of the following event: 1. You, or your spouse or child loses eligibility for Medicaid or a state child health plan. We must receive notice and premium payment within 60 days of this event. Participating Provider Network Aetna Student Health has arranged for you to access a Participating Provider Network in your local community. To maximize your savings and reduce your out‐of‐pocket expenses, select a Participating Provider. It is to your advantage to use a Participating Provider because savings may be achieved from the Negotiated Charges these providers have agreed to accept as payment for their services. Services Subject to Preauthorization Preauthorization is required before you receive certain covered services. You are responsible for requesting preauthorization for the out‐of‐network services listed in the Schedule of Benefits section of the Certificate. Preferred Providers are responsible for requesting preauthorization for in‐network services and you are responsible for requesting preauthorization for the out‐of‐network services listed in the Schedule of Benefits section of the Certificate. Preauthorization/Notification Procedure If you seek coverage for services that require preauthorization, you must call Aetna at the number on your ID card. You must contact Aetna to request preauthorization as follows: At least two (2) weeks prior to a planned admission or surgery when your provider recommends inpatient hospitalization. If that is not possible, then as soon as reasonably possible, during regular business hours prior to the admission. Syracuse University 2015‐2016 Page 6 At least two (2) weeks prior to ambulatory surgery or any ambulatory care procedure when your provider recommends the surgery or procedure be performed in an ambulatory surgical unit of a hospital or in an ambulatory surgical center. Within the first three (3) months of a pregnancy, or as soon as reasonably possible and again within 48 hours after the actual delivery date if your hospital stay is expected to extend beyond 48 hours for a vaginal birth or 96 hours for cesarean birth. Before air ambulance services are rendered for a non‐emergency condition. You must contact Aetna to provide notification as follows: As soon as reasonably possible when air ambulance services are rendered for an emergency condition. If you are hospitalized in cases of an emergency condition, you must call Aetna within 48 hours after your admission or as soon thereafter as reasonably possible. After receiving a request for approval, Aetna will review the reasons for your planned treatment and determine if benefits are available. Criteria will be based on multiple sources which may include medical policy, clinical guidelines, and pharmacy and therapeutic guidelines. Description of Benefits The Plan excludes coverage for certain services and contains limitations on the amounts it will pay. While this Plan Design and Benefits Summary document will tell you about some of the important features of the Plan, other features may be important to you and some may further limit what the Plan will pay. To look at the full Plan description, which is contained in the Certificate of Coverage issued to You, you may access it online at www.aetnastudenthealth.com. If any discrepancy exists between this Benefit Summary and the Certificate, the Certificate of Coverage will govern and control the payment of benefits. All coverage is based on the Allowed Amount. “Allowed Amount” means the maximum amount We will pay for the services or supplies covered under the certificate, before any applicable Copayment, Deductible and Coinsurance amounts are subtracted. We determine Our Allowed Amount as follows: The Allowed Amount for Participating Providers will be the amount We have negotiated with the Participating Provider. The Allowed Amount for Non‐Participating Providers will be determined as follows: 1. Facilities. For Facilities, the Allowed Amount will be 100% of the Medicare rate. 2. For All Other Providers. For all other Providers, the Allowed Amount will be 100% of the Medicare rate. Our Allowed Amount is not based on UCR. The Non‐Participating Provider’s actual charge may exceed Our Allowed Amount. You must pay the difference between Our Allowed Amount and the Non‐Participating Provider’s charge. Contact us at the number on your ID card or visit our website www.aetnastudenthealth.com for information on your financial responsibility when you receive services from a Non‐Participating Provider. Medicare based rates referenced in and applied under this section shall be updated no less than annually. This Plan will pay benefits in accordance with any applicable New York Insurance Law(s). Syracuse University 2015‐2016 Page 7 COST‐SHARING Deductible* Individual Family Out‐of‐Pocket Limit** Individual Family *Applicable to benefits unless indicated otherwise below. ** This limit never includes your Premium, Balance Billing charges or the cost of health care services we do not cover. Outpatient and Professional Services (for other than Mental Health and Substance Use) Participating Provider Member Responsibility for Cost‐Sharing $250 per policy year None $6,350 $12,700 Non‐ Participating Provider Member Responsibility for Cost‐Sharing $500 per policy year
None $10,000 None Participating Provider Member Responsibility for Cost‐Sharing Non‐ Participating Provider Member Responsibility for Cost‐Sharing Office Visits ‐ Primary Care (or home visits) $25 Copayment then you pay 0% Coinsurance Not subject to Deductible 30% Coinsurance Office Visits ‐ Specialists (or home visits) $25 Copayment then you pay 0% Coinsurance Not subject to Deductible 30% Coinsurance PREVENTIVE CARE Preventive services are not subject to Cost‐Sharing (Copayments, Deductibles or Coinsurance) when performed by a Participating Provider and provided in accordance with the comprehensive guidelines supported by the Health Resources and Services Administration (“HRSA”), or if the items or services have an “A” or “B” rating from the United States Preventive Services Task Force (“USPSTF”), or if the immunizations are recommended by the Advisory Committee on Immunization Practices (“ACIP”). Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating provider Member Responsibility for Cost‐Sharing Well‐Baby and Well‐Child Care* Covered in full 30% Coinsurance Adult Annual Physical Examinations* Covered in full 30% Coinsurance Adult Immunizations* Covered in full 30% Coinsurance Well‐Woman Examinations * Covered in full 30% Coinsurance Mammograms* Covered in full 30% Coinsurance Syracuse University 2015‐2016 Page 8 PREVENTIVE CARE (continued) Participating Provider Member Responsibility for Cost‐Sharing Covered in full Family Planning and Reproductive Health Services * We cover family planning services which consist of FDA‐approved contraceptive methods prescribed by a Provider, not otherwise covered under the Prescription Drug Coverage section of the certificate, counseling on use of contraceptives and related topics, and sterilization procedures for women. Non‐Participating provider Member Responsibility for Cost‐Sharing 30% Coinsurance We do not cover services related to the reversal of elective sterilizations. Vasectomy 20% Coinsurance We do not cover services related to the reversal of elective sterilizations 40% Coinsurance Bone Mineral Density Measurements or Testing* Covered in full 30% Coinsurance Screening for Prostate Cancer Covered in full 30% Coinsurance All other preventive services required by USPSTF and HRSA. Covered in full 30% Coinsurance *When preventive services are not provided in accordance with the comprehensive guidelines supported by USPSTF and HRSA. Use Cost Sharing for Appropriate Service (Primary Care Office Visit; Specialist Office Visit; Diagnostic Radiology Services; Laboratory Procedures & Diagnostic Testing) You may contact Us at the number on your ID card or visit Our website at www.aetnastudenthealth.com for a copy of the comprehensive guidelines supported by HRSA, items or services with an “A” or “B” rating from USPSTF, and immunizations recommended by ACIP. EMERGENCY CARE Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Emergency Ambulance Transportation (Pre‐Hospital Emergency Medical Services) 20% Coinsurance 20% Coinsurance 20% Coinsurance 20% Coinsurance We do not cover travel or transportation expenses, unless connected to an Emergency Condition or due to a Facility transfer approved by Us, even though prescribed by a Physician. We do not cover non‐ambulance transportation such as ambulette, van or taxi cab. Non‐Emergency Ambulance Services Syracuse University 2015‐2016 Page 9 EMERGENCY CARE (continued) Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Emergency Services *Copayment /Coinsurance waived if Hospital admission. $150 Copayment after Policy Year Deductible then you pay 20% Coinsurance $150 Copayment after Policy Year Deductible then you pay 20% Coinsurance The amount we pay a Non‐Participating Provider for Emergency Services will be the greater of: the amount we have negotiated with Participating Providers for the Emergency Service (and if more than one amount is negotiated, the median of the amounts); 100% of the Allowed Amount for services provided by a Non‐
Participating Provider (i.e., the amount we would pay in the absence of any Cost‐Sharing that would otherwise apply for services of Non‐
Participating Providers);or the amount that would be paid under Medicare. The amounts described above exclude any Copayment or Coinsurance that applies to Emergency Services provided by a Participating Provider. In the event that you require treatment for an Emergency Condition, seek immediate care at the nearest Hospital emergency department or call 911. Emergency Department Care does not require Preauthorization. However, only Emergency Services for the treatment of an Emergency Condition are covered in an emergency department. We do not cover follow‐up care or routine care provided in a Hospital emergency department. Syracuse University 2015‐2016 Page 10 Emergency Services (continued) Urgent Care Center Urgent Care is medical care for an illness, injury or condition serious enough that a reasonable person would seek care right away, but not so severe as to require Emergency Department Care. You are responsible for any Copayment, Deductible or Coinsurance. You will be held harmless for any Non‐Participating Provider charges that exceed your Copayment, Deductible or Coinsurance. $50 Copayment after 40% Coinsurance Policy Year Deductible then you pay 20% Coinsurance Outpatient and Professional Services (for other than Mental Health and Substance Use) Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Advanced Imaging Services (Performed in a Freestanding Radiology Facility or Office Setting) 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required Advanced Imaging Services (Performed as Outpatient Hospital Services) 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required Allergy Testing and Treatment (Performed in a PCP Office) 20% Coinsurance 40% Coinsurance Allergy Testing and Treatment (Performed in a Specialist Office) 20% Coinsurance 40% Coinsurance Ambulatory Surgery Center $100 Copayment after 40% Coinsurance Policy Year Deductible then you pay 20% Coinsurance Anesthesia Services (all settings) 20% Coinsurance 40% Coinsurance Autologous Blood Banking Services 20% Coinsurance 40% Coinsurance Cardiac & Pulmonary Rehabilitation (Performed in a Specialist Office) 20% Coinsurance 40% Coinsurance Cardiac & Pulmonary Rehabilitation (Performed as Outpatient Hospital Services) 20% Coinsurance 40% Coinsurance Cardiac & Pulmonary Rehabilitation (Performed as Inpatient Hospital Services) Included As Part of Inpatient Hospital Service Cost‐Sharing Chemotherapy (Performed in a PCP Office) 20% Coinsurance 40% Coinsurance Chemotherapy (Performed in a Specialist Office) 20% Coinsurance 40% Coinsurance Syracuse University 2015‐2016 Page 11 Chemotherapy (Performed as Outpatient Hospital Services) Participating Provider Member Responsibility for Cost‐Sharing 20% Coinsurance Non‐Participating Provider Member Responsibility for Cost‐Sharing 40% Coinsurance Chiropractic Services 20% Coinsurance 40% Coinsurance Clinical Trials Use Cost‐Sharing for Appropriate Service Outpatient and Professional Services (continued) (for other than Mental Health and Substance Use) 20% Coinsurance 40% Coinsurance Diagnostic Testing ‐ Performed in a Specialists Office 20% Coinsurance 40% Coinsurance Diagnostic Testing ‐ Performed as Outpatient Hospital Services 20% Coinsurance 40% Coinsurance Dialysis ‐ Performed in a PCP Office 20% Coinsurance Preauthorization Required 20% Coinsurance Preauthorization Required 20% Coinsurance Preauthorization Required 20% Coinsurance 40% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required 40% Coinsurance 20% Coinsurance 40% Coinsurance Diagnostic Testing ‐ Performed in a PCP Office We cover x‐ray, laboratory procedures and diagnostic testing, services and materials, including diagnostic x‐rays, x‐ray therapy, fluoroscopy, electrocardiograms, electroencephalograms, laboratory tests, and therapeutic radiology services. Dialysis ‐ Performed in a Freestanding Center or Specialist Office Setting Dialysis ‐ Performed as Outpatient Hospital Services Habilitation Services ‐ Physical Therapy, Occupational Therapy, or Speech Therapy Home Health Care Unlimited Visits per Plan Year Infertility Services We cover services for the diagnosis and treatment (surgical and medical) of infertility when such infertility is the result of malformation, disease or dysfunction. Such coverage is available as follows: Basic Infertility Services. Basic infertility services will be provided to a Member who is an appropriate candidate for infertility treatment. In order to determine eligibility, We will use guidelines established by the American College of Obstetricians and Gynecologists, the American Society for Reproductive Medicine, and the State of New York. However, Members must be between the ages of 21 and 44 (inclusive) in order to be considered a candidate for these services. Use Cost Sharing for Appropriate Service (Office Visit; Diagnostic Radiology Services; Surgery; Laboratory & Diagnostic Procedures) Preauthorization Required for Comprehensive Infertility Services Syracuse University 2015‐2016 Page 12 Outpatient and Professional Services (continued) (for other than Mental Health and Substance Use) Infertility Services (continued) Services include: Initial evaluation; Semen analysis; Laboratory evaluation; Evaluation of ovulatory function; Postcoital test; Endometrial biopsy; Pelvic ultra sound; Hysterosalpingogram; Sono‐
hystogram; Testis biopsy; Blood tests; and Medically appropriate treatment of ovulatory dysfunction. Participating Provider Non‐Participating Provider Member Member Responsibility for Responsibility for Cost‐Sharing Cost‐Sharing Use Cost Sharing for Appropriate Service (Office Visit; Diagnostic Radiology Services; Surgery; Laboratory & Diagnostic Procedures) Preauthorization Required for Comprehensive Infertility Services Additional tests may be covered if the tests are determined to be Medically Necessary. Comprehensive Infertility Services. If the basic infertility services do not result in increased fertility, We cover comprehensive infertility services. Services include: Ovulation induction and monitoring; Pelvic ultra sound; Artificial insemination; Hysteroscopy; Laparoscopy; and Laparotomy. Exclusions and Limitations. We do not cover: In vitro fertilization, gamete intrafallopian tube transfers or zygote intrafallopian tube transfers; Costs for an ovum donor or donor sperm; Sperm storage costs; Cryopreservation and storage of embryos; Ovulation predictor kits; Reversal of tubal ligations; Reversal of vasectomies; Costs for and relating to surrogate motherhood (maternity services are covered for Members acting as surrogate mothers); Cloning; or Medical and surgical procedures that are experimental or investigational, unless Our denial is overturned by an External Appeal Agent. All services must be provided by Providers who are qualified to provide such services in accordance with the guidelines established and adopted by the American Society for Reproductive Medicine. 20% Coinsurance 40% Coinsurance Infusion Therapy ‐ Performed in a Specialists Office 20% Coinsurance 40% Coinsurance Infusion Therapy ‐ Performed as Outpatient Hospital Services 20% Coinsurance 40% Coinsurance Infusion Therapy ‐ Home Infusion Therapy 20% Coinsurance 40% Coinsurance Laboratory Procedures ‐ Performed in a PCP Office 20% Coinsurance 40% Coinsurance Laboratory Procedures ‐ Performed in a Specialist Office 20% Coinsurance 40% Coinsurance Laboratory Procedures ‐ Performed as Outpatient Hospital Services 20% Coinsurance 40% Coinsurance Infusion Therapy ‐ Performed in a PCP Office We cover infusion therapy which is the administration of drugs using specialized delivery systems which otherwise would have required you to be hospitalized. Drugs or nutrients administered directly into the veins are considered infusion therapy. Syracuse University 2015‐2016 Page 13 Outpatient and Professional Services (continued) (for other than Mental Health and Substance Use) Maternity and Newborn Care ‐ Prenatal Care Participating Provider Member Responsibility for Cost‐Sharing Covered In Full Non‐Participating Provider Member Responsibility for Cost‐Sharing 30% Coinsurance Maternity and Newborn Care ‐ Inpatient Hospital Services and Birthing 20% Coinsurance Center 1 Home Care Visit is covered at no Cost‐Sharing if mother is discharged from Hospital early 40% Coinsurance Maternity and Newborn Care ‐ Physician and Midwife Services for Delivery Maternity and Newborn Care ‐ Breast Pump We cover the cost of renting one breast pump per pregnancy for duration of breast feeding. 20% Coinsurance 40% Coinsurance Covered in Full 30% Coinsurance per item Maternity and Newborn Care ‐ Postnatal Care 30% Coinsurance Preadmission Testing 0% Coinsurance Not subject to Deductible $100 Copayment after Policy Year Deductible then you pay 20% Coinsurance 20% Coinsurance Diagnostic Testing ‐ Performed in a PCP Office Diagnostic Testing ‐ Performed in a Specialist’s Office 20% Coinsurance 20% Coinsurance 40% Coinsurance 40% Coinsurance Diagnostic Testing ‐ Performed as Outpatient Hospital Services 20% Coinsurance 40% Coinsurance Therapeutic Radiology Services ‐ Performed in a Freestanding Radiology Facility or Specialist Office 20% Coinsurance 40% Coinsurance Therapeutic Radiology Services ‐ Performed as Outpatient Hospital Services 20% Coinsurance 40% Coinsurance Rehabilitation Services ‐ Physical Therapy, Occupational Therapy or Speech Therapy 20% Coinsurance 40% Coinsurance $25 Copayment after Policy Year Deductible then you pay 0% Coinsurance Not subject to Deductible 30% Coinsurance Second Opinions on Diagnosis of Cancer are covered at Participating Cost‐Sharing for Non‐Participating Specialist Outpatient Hospital Surgery Facility Charge 40% Coinsurance 40% Coinsurance Unlimited visits per condition per Plan Year combined therapies. Second Opinions on the Diagnosis of Cancer, Surgery & Other Syracuse University 2015‐2016 Page 14 Outpatient Hospital Surgery Participating Provider Member Responsibility for Cost‐Sharing 20% Coinsurance Preauthorization Required 20% Coinsurance Non‐Participating Provider Member Responsibility for Cost‐Sharing 40% Coinsurance Preauthorization Required 40% Coinsurance Surgery Performed at an Ambulatory Surgical Center 20% Coinsurance 40% Coinsurance Office Surgery 20% Coinsurance 40% Coinsurance Additional Benefits, Equipment and Devices Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Applied Behavioral Analysis Treatment for Autism Spectrum Disorder 0% Coinsurance Not subject to Deductible 30% Coinsurance Assistive Communication Devices for Autism Spectrum Disorder We cover the rental or purchase of assistive communication devices when ordered or prescribed by a licensed Physician or a licensed psychologist if you are unable to communicate through normal means (i.e., speech or writing) when the evaluation indicates that an assistive communication device is likely to provide you with improved communication. Examples of assistive communication devices include communication boards and speech‐generating devices. Coverage is limited to dedicated devices. We will only cover devices that generally are not useful to a person in the absence of communication impairment. We do not cover items, such as, but not limited to, laptops, desktop, or tablet computers. We cover software and/or applications that enable a laptop, desktop, or tablet computer to function as a speech‐generating device. 20% Coinsurance 40% Coinsurance Diabetic Equipment, Supplies and Insulin (30 day supply) 20% Coinsurance 40% Coinsurance Diabetic Education 20% Coinsurance 40% Coinsurance Durable Medical Equipment and Braces 20% Coinsurance 40% Coinsurance Hearing Aids ‐ External 20% Coinsurance 40% Coinsurance 20% Coinsurance 40% Coinsurance Surgical Services (surgeon, assistant surgeon, anesthetist) ‐ Including Oral Surgery; Reconstructive Breast Surgery; Other Reconstructive & Corrective Surgery; Transplants & Interruption of Pregnancy Inpatient Hospital Surgery “Applied behavior analysis” means the design, implementation, and evaluation of environmental modifications, using behavioral stimuli and consequences, to produce socially significant improvement in human behavior, including the use of direct observation, measurement, and functional analysis of the relationship between environment and behavior. Single Purchase Once Every Plan Year Hearing Aids ‐ Cochlear Implants One Per Ear Per Time Covered Syracuse University 2015‐2016 Page 15 Additional Benefits, Equipment and Devices (continued) Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Hospice Care – Inpatient Unlimited Days per Plan Year. 20% Coinsurance Preauthorization Required 20% Coinsurance 40% Coinsurance Preauthorization Required 40% Coinsurance 20% Coinsurance 40% Coinsurance 20% Coinsurance 40% Coinsurance Prosthetics ‐ Internal 20% Coinsurance 40% Coinsurance Inpatient Services (for other than Mental Health and Substance Use) Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Inpatient Hospital for a Continuous Confinement (Including an Inpatient Stay for Mastectomy Care, Cardiac & Pulmonary Rehabilitation, & End of Life Care) 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required 20% Coinsurance 40% Coinsurance 20% Coinsurance Preauthorization Required 20% Coinsurance Preauthorization Required 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required Hospice Care – Outpatient 5 Visits for Family Bereavement Counseling Medical Supplies We cover medical supplies that are required for the treatment of a disease or injury which is covered under the certificate. We also cover maintenance supplies (e.g., ostomy supplies) for conditions covered under the certificate. All such supplies must be in the appropriate amount for the treatment or maintenance program in progress. We do not cover over‐the‐counter medical supplies. Prosthetics – External We do not cover dentures or other devices used in connection with the teeth unless required due to an accidental injury to sound natural teeth or necessary due to congenital disease or anomaly. We do not cover orthotics (e.g., shoe inserts). One prosthetic device, per limb, per Plan Year. Observation Services Inpatient Medical Visits Services Skilled Nursing Facility Inpatient Rehabilitation Services ‐ Physical Therapy, Occupational Therapy or Speech Therapy Syracuse University 2015‐2016 Page 16 Mental Health Care and Substance Use Services Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Mental Health Care Services Inpatient Services 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required $25 Copayment then you pay 0% Coinsurance Not subject to Deductible 30% Coinsurance 20% Coinsurance Preauthorization Required 40% Coinsurance Preauthorization Required Substance Use Services Outpatient Services Up to 20 Visits a Plan Year May Be Used For Family Counseling $25 Copayment then you pay 0% Coinsurance Not subject to Deductible 30% Coinsurance Prescription Drug Coverage Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Retail Pharmacy (30 day supply) ‐ Tier 1 (generic) $15 Copayment per supply Retail Pharmacy (30 day supply) ‐ Tier 2 (formulary brand) $45 Copayment per supply Retail Pharmacy (30 day supply) ‐ Tier 3 (non‐formulary brand) $75 Copayment per supply Mail Order Pharmacy (30 day supply) ‐ Tier 1 (generic) Not Covered Copayment per supply of 30% of the Allowed Amount Copayment per supply of 30% of the Allowed Amount Copayment per supply of 30% of the Allowed Amount Not Covered Mail Order Pharmacy (30 day supply) ‐ Tier 2 (formulary brand) Not Covered Not Covered Mail Order Pharmacy (30 day supply) ‐ Tier 3 (non‐formulary brand) Not Covered Not Covered Preauthorization is Not Required for Emergency Admissions. Mental Health Care Services Outpatient Services Substance Use Services Inpatient Services Preauthorization is Not Required for Emergency Admissions. Syracuse University 2015‐2016 Page 17 Prescription Drug Coverage (continued) Participating Provider Member Responsibility for Cost‐Sharing Non‐Participating Provider Member Responsibility for Cost‐Sharing Mail Order More than 30‐day supply Up to a 90‐day supply ‐ Tier 1 (generic) Copayment per supply of 2.5 times the 30 day Mail Order Pharmacy Tier 1 Copayment per supply Copayment per supply of 2.5 times the 30 day Mail Order Pharmacy Tier 1 Copayment per supply Copayment per supply of 2.5 times the 30 day Mail Order Pharmacy Tier 2 Copayment per supply Copayment per supply of 2.5 times the 30 day Mail Order Pharmacy Tier 2 Copayment per supply Copayment per supply of 2.5 times the 30‐
day Mail Order Pharmacy Tier 3 Copayment per supply Copayment per supply of 2.5 times the 30‐day Mail Order Pharmacy Tier 3 Copayment per supply Enteral Formulas ‐ Tier 1 (Generic) 20% Coinsurance 40% Coinsurance Enteral Formulas ‐ Tier 2 (formulary brand) 20% Coinsurance 40% Coinsurance Enteral Formulas ‐ Tier 3 (non‐formulary brand) WELLNESS BENEFITS 20% Coinsurance Participating Provider Member Responsibility for Cost‐Sharing 40% Coinsurance Non‐Participating Provider Member Responsibility for Cost‐Sharing Mail Order More than 30‐day supply Up to a 90‐day supply ‐ Tier 2 (formulary brand) Mail Order More than 30‐day supply Up to a 90‐day supply ‐ Tier 3 (non‐formulary brand) Exercise Facility Reimbursement Memberships in tennis clubs, country clubs, weight loss clinics, spas or any other similar facilities will not be reimbursed. Lifetime memberships are not eligible for reimbursement. Reimbursement is limited to actual workout visits. We will not provide reimbursement for equipment, clothing, vitamins or other services that may be offered by the facility (e.g., massages, etc.). Pediatric Vision Care We cover emergency, preventive and routine vision care for Members up to age 19. Vision Examinations One Exam per 12‐Month Period Up to $200 per 6‐month period, up to an additional $100 per 6‐month period for Spouse Participating Provider Member Responsibility for Cost‐Sharing 0% Coinsurance Not subject to Deductible Non‐Participating Provider Member Responsibility for Cost‐Sharing 30% Coinsurance Not subject to Deductible Syracuse University 2015‐2016 Page 18 Pediatric Vision Care (continued) Participating Provider Member Responsibility for Cost‐Sharing 0% Coinsurance Prescribed Lenses and Frames We cover standard prescription lenses or contact lenses, one (1) time in Not subject to any twelve (12) month period, unless it is Medically Necessary for you to have new lenses or contact lenses more frequently, as evidenced by Deductible appropriate documentation. Prescription lenses may be constructed of either glass or plastic. We also cover standard frames adequate to hold lenses one (1) time in any twelve (12) month period, unless it is Medically Necessary for you to have new frames more frequently, as evidenced by appropriate documentation. Contact Lenses 0% Coinsurance Not subject to Deductible Pediatric Dental Care Participating Provider We cover the following dental care services for Members up to age 19 Member Responsibility for Cost‐Sharing Covered in Full Preventive/Routine Dental Care One Dental Exam & Cleaning Per 6‐Month Period Full mouth x‐rays or panoramic x‐rays at 36‐month intervals and bitewing x‐rays at 6‐ to 12‐month intervals Major Dental ‐ Endodontics, Periodontics and Prosthodontics Orthodontia 30% Coinsurance Not subject to Deductible 50% Coinsurance Not subject to Deductible Non‐Participating Provider Member Responsibility for Cost‐Sharing 30% Coinsurance Not subject to Deductible 30% Coinsurance Not subject to Deductible Non‐Participating Provider Member Responsibility for Cost‐Sharing Covered in full after Deductible 50% Coinsurance 50% Coinsurance Syracuse University 2015‐2016 Page 19 Exclusions No coverage is available under the certificate for the following: A. Aviation. We do not cover services arising out of aviation, other than as a fare‐paying passenger on a scheduled or charter flight operated by a scheduled airline. B. Convalescent and Custodial Care. We do not cover services related to rest cures, custodial care or transportation. “Custodial care” means help in transferring, eating, dressing, bathing, toileting and other such related activities. Custodial care does not include Covered Services determined to be Medically Necessary. C. Cosmetic Services. We do not cover cosmetic services, Prescription Drugs, or surgery, unless otherwise specified, except that cosmetic surgery shall not include reconstructive surgery when such service is incidental to or follows surgery resulting from trauma, infection or diseases of the involved part, and reconstructive surgery because of congenital disease or anomaly of a covered Child which has resulted in a functional defect. We also cover services in connection with reconstructive surgery following a mastectomy, as provided elsewhere in this Certificate. Cosmetic surgery does not include surgery determined to be Medically Necessary. If a claim for a procedure listed in 11 NYCRR 56 (e.g., certain plastic surgery and dermatology procedures) is submitted retrospectively and without medical information, any denial will not be subject to the Utilization Review process in the Utilization Review and External Appeal sections of this Certificate unless medical information is submitted. D. Dental Services. We do not cover dental services except for: care or treatment due to accidental injury to sound natural teeth within 12 months of the accident; dental care or treatment necessary due to congenital disease or anomaly; or except as specifically stated in the Outpatient and Professional Services and Pediatric Dental Care sections of this Certificate. E. Experimental or Investigational Treatment. We do not cover any health care service, procedure, treatment, device, or Prescription Drug that is experimental or investigational. However, we will cover experimental or investigational treatments, including treatment for your rare disease or patient costs for your participation in a clinical trial as described in the Outpatient and Professional Services section of this Certificate, or when our denial of services is overturned by an External Appeal Agent certified by the State. However, for clinical trials, we will not cover the costs of any investigational drugs or devices, non‐health services required for you to receive the treatment, the costs of managing the research, or costs that would not be covered under the Certificate for non‐investigational treatments. See the Utilization Review and External Appeal sections of this Certificate for a further explanation of your Appeal rights. F. Felony Participation. We do not cover any illness, treatment or medical condition due to your participation in a felony, riot or insurrection. This exclusion does not apply to coverage for services involving injuries suffered by a victim of an act of domestic violence or for services as a result of your medical condition (including both physical and mental health conditions). G. Foot Care. We do not cover routine foot care in connection with corns, calluses, flat feet, fallen arches, weak feet, chronic foot strain or symptomatic complaints of the feet. However, we will cover foot care when you have a specific medical condition or disease resulting in circulatory deficits or areas of decreased sensation in your legs or feet. Syracuse University 2015‐2016 Page 20 H. Government Facility. We do not cover care or treatment provided in a Hospital that is owned or operated by any federal, state or other governmental entity, except as otherwise required by law unless you are taken to the Hospital because it is close to the place where you were injured or became ill and Emergency Services are provided to treat your Emergency Condition. I. Medically Necessary. In general, we will not cover any health care service, procedure, treatment, test, device or Prescription Drug that we determine is not Medically Necessary. If an External Appeal Agent certified by the State overturns our denial, however, we will cover the service, procedure, treatment, test, device or Prescription Drug for which coverage has been denied, to the extent that such service, procedure, treatment, test, device or Prescription Drug is otherwise covered under the terms of this Certificate. J. Medicare or Other Governmental Program. We do not cover services if benefits are provided for such services under the federal Medicare program or other governmental program (except Medicaid). K. Military Service. We do not cover an illness, treatment or medical condition due to service in the Armed Forces or auxiliary units. L. No‐Fault Automobile Insurance. We do not cover any benefits to the extent provided for any loss or portion thereof for which mandatory automobile no‐
fault benefits are recovered or recoverable. This exclusion applies even if you do not make a proper or timely claim for the benefits available to you under a mandatory no‐fault policy. M. Services not Listed. We do not cover services that are not listed in this Certificate as being covered. N. Services Provided by a Family Member. We do not cover services performed by a member of the covered person’s immediate family. “Immediate family” shall mean a child, spouse, mother, father, sister or brother of you or your Spouse. O. Services Separately Billed by Hospital Employees. We do not cover services rendered and separately billed by employees of Hospitals, laboratories or other institutions. P. Services With No Charge. We do not cover services for which no charge is normally made. Q. Vision Services. We do not cover the examination or fitting of eyeglasses or contact lenses, except as specifically stated in the Pediatric Vision Care section of this Certificate. R. Workers’ Compensation. We do not cover services if benefits for such services are provided under any state or federal Workers’ Compensation, employers’ liability or occupational disease law. The Syracuse University Student Health Insurance Plan is underwritten by Aetna Life Insurance Company. Aetna Student HealthSM is the brand name for products and services provided by Aetna Life Insurance Company and its applicable affiliated companies (Aetna). Syracuse University 2015‐2016 Page 21